The adjuster must carefully avoid mistakes involving the legal doctrines of waiver and estoppel, which might force an insurer to pay claims it otherwise might deny.

• 保险理算人必须注意避免出现法律上的弃权与禁止反言的错误,这些错误可能会迫使保险公司对本可以拒赔的索赔案不得不予以赔付。